Business Rates

Savings Accounts

Dividends compounded and paid quarterly. Balances earn the dividend rate within the disclosed tier where applicable.

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day your deposits are posted to your account.

Checking Accounts

Anticipated DividendsFebruary 1 - 28, 2018

Minimum Balance

APY*

Dividend Rate

A minimum balance of $100 is required to open a business checking.

Dividends are compounded and paid monthly.

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day if the balance is above the required minimum stated above. Dividends will begin to accrue on the business day your deposits are posted to your account.

Money Market Accounts

Anticipated DividendsFebruary 1 - 28, 2018

Minimum Balance

APY*

Dividend Rate

A minimum deposit of $500 is required to open a money market. Balances earn the dividend rate within the disclosed tier. Dividends will be compounded and paid monthly.

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day your deposits are posted to your account.

Minimum withdrawal is $500 with three (3) free withdrawals per month without incurring a fee.

Certificate Accounts

Anticipated DividendsFebruary 16 – 22, 2018

Term

Balance

APY

Dividend Rate

3 month

6 month

12 - 23 month

24 – 35 month (24 month step up)

36 – 47 month

48 – 59 month

60 month

A minimum balance of $500 is required to open a certificate and obtain the stated APY.

The APY is quoted for three- and six-month certificates in those categories and dividends are paid at maturity. Other certificate dividends are paid monthly to another account or compounded and credited quarterly.

Dividends will begin to accrue on the business day your deposit is posted to your account. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

* APY is the Annual Percentage Yield and assumes dividends remain in the account. This document is a supplement to account disclosures. Rates are subject to change without notice. Fees or other conditions may also reduce earnings. Refer to the Business Service Fee schedule for current fee information. Contact a Hiway Business Services Representative at 651.291.1515 or 800.899.5626 for further information about applicable fees and terms.

Visa® Business Cards

APR* (As low as)

DPR* (As low as)

* APY is the Annual Percentage Rate and DPR is the Daily Periodic Rate. Rates are effective 1/22/2018 and are subject to change without notice.

Business Service Fee Schedule

Checking

ATM and Business Debit Cards

ATM Over 12 or Foreign Transaction Fee

Convenience Services

Money Market Account

Official Checks (issued by Hiway)

Money Orders

Wire Transfers

Statement Copies

NSF (Non-Sufficient Funds)

The categories of transactions for which an NSF fee may be imposed are: by check, in person withdrawal, ATM or other electronic means.

Closed Account Fee

Check Cashing

Other Fees

*Rates are effective 5/1/2017 and are subject to change without notice. Refer to Business Services Brochure for additional fees applicable to Business Checking packages.** Single Service accounts have a Share Savings only. Fees are waived if balance is above $500.1. Standard data rates may apply.